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Q3 2019 SLM Corp Earnings Call Transcript
Good morning. My name is Lisa, and I will be your conference operator today. At this time, I would like to welcome everyone to the 2019 Q3 Sallie Mae Earnings Conference Call. (Operator Instructions) Thank you.
I would now like to turn the call over to Mr. Cronin, VP of Investor Relations.
Great. Thanks, Lisa. Good morning, and welcome to Sallie Mae's Third Quarter 2019 Earnings Call. With me today is Ray Quinlan, our CEO; and Steve McGarry, our CFO. After the prepared remarks, we'll open up the call for questions.
Before we keep -- before we begin, keep in mind our discussions will contain predictions, expectations and forward-looking statements. Actual results in the future may be materially different than those discussed here. This could be due to a variety of factors. Listeners should refer to the discussion of those factors in the company's Form 10-Q and other filings with the SEC.
During this conference call, we will refer to non-GAAP measures we call our core earnings and
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